The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Over the course of those two decades, you will have spent $12,000. At the end, your policy will have no cash value or coverage left. Of course, if you did pass away, your family could collect the death benefit. But remember â we are not planning to pass away. Return of Premium Term Life May Pay You Back.